Missouri micro-market
Healthcare practice financing in Rolla, Missouri
Direct answer
A Rolla file is read against 265 local clinicians, 128.3 for every 10,000 of its 20,660 residents, 15 percent of them in physical, occupational, and speech therapy, plus the 0 SBA healthcare approvals worth $0 already recorded in Phelps County, 49 miles from Jefferson City, MO.
A location page indicates that Practition Finance is taking clients in that market. It does not represent a physical office, storefront, or licensed presence in that city or state. All services are delivered remotely by our US-based team. Missouri rules, and what happens to an inquiry raised from a Missouri address, are set out on the Missouri page.
- Population: 20,660 residents (10K-25K band)1
- Healthcare providers registered here: 265 across 27 fields2
- Median household income: $42,5183
- Largest provider field: Physical, occupational, and speech therapy: 39 registered providers2
- Medicare-certified providers in town: 6 across 3 categories4
- Nearest metro: Jefferson City, MO, 49 miles1
Fields practicing inside Rolla
The NPPES file puts 265 enumerated clinicians inside Rolla, spread over 27 fields at 128.3 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 39 | 18.9 | NPPES [2] |
| Specialty physician groups | 32 | 15.5 | NPPES [2] |
| Primary care and family medicine | 31 | 15.0 | NPPES [2] |
| Chiropractic | 18 | 8.7 | NPPES [2] |
| Optometry and ophthalmology | 18 | 8.7 | NPPES [2] |
| DME and HME suppliers | 17 | 8.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 16 | 7.7 | NPPES [2] |
| General dentistry | 14 | 6.8 | NPPES [2] |
| Behavioral and mental health group practices | 12 | 5.8 | NPPES [2] |
| Dental specialties | 9 | 4.4 | NPPES [2] |
| Home health | 8 | 3.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 7 | 3.4 | NPPES [2] |
| Independent pharmacy | 6 | 2.9 | NPPES [2] |
| Non-medical home care | 6 | 2.9 | NPPES [2] |
| Med spa and aesthetics | 6 | 2.9 | NPPES [2] |
| Audiology and hearing centers | 4 | 1.9 | NPPES [2] |
| Podiatry | 3 | 1.5 | NPPES [2] |
| Dermatology | 3 | 1.5 | NPPES [2] |
| ASCs and OBLs | 3 | 1.5 | NPPES [2] |
| Dialysis and infusion centers | 3 | 1.5 | NPPES [2] |
| Occupational health and drug testing | 3 | 1.5 | NPPES [2] |
| ABA and autism therapy | 2 | 1.0 | NPPES [2] |
| Sleep centers | 1 | 0.5 | NPPES [2] |
| Pain management and interventional | 1 | 0.5 | NPPES [2] |
| NEMT and ambulance | 1 | 0.5 | NPPES [2] |
| Hospice and palliative | 1 | 0.5 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 11 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
A single Rolla practice can hold more than one of these numbers. 15 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
The lending record behind Rolla
With 0 healthcare approvals recorded, Phelps County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 0 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $0 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | No approvals recorded | The dollar column over the approval column [5] |
| Lenders sited in the county | 40 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
128.3 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. With 0 approvals on record in Phelps County, expect a longer appraisal and a wider collateral discount. With $42,518 as the median household income, the payer mix in a projection has to match what Rolla households actually spend.
Programs the Rolla mix reaches for
- Practice acquisition
- Equipment financing and leasing
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
Built from what is enumerated here rather than from a national list, so a field with no presence in Rolla does not appear. Availability is still a Missouri question.
What a funder reads first in Rolla
physical, occupational, and speech therapy, specialty physician groups, primary care and family medicine account for most of what is enumerated in Rolla, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (39) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (32) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Primary care and family medicine (31) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
NPPES supplies the Rolla counts. The reading columns describe the field in general, and no partner reviewing a Rolla file is bound by them.
How Rolla prices against its neighbors
Density is the number that moves an appraisal: 128.3 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Rolla (current) | 20,660 | 265 | 128.3 | |
| Lebanon | 15,538 | 157 | 101.0 | 52 |
| Union | 13,198 | 111 | 84.1 | 54 |
| Washington | 15,521 | 299 | 192.6 | 58 |
| Fulton | 12,573 | 153 | 121.7 | 64 |
| Eureka | 13,277 | 121 | 91.1 | 72 |
| Farmington | 19,165 | 344 | 179.5 | 73 |
What the geography does to a Rolla projection
49 miles separate Rolla from Jefferson City, MO. Rent comparables cross that gap; patients mostly do not. Median household income runs $42,518, which is the number a funder converts into case acceptance on anything elective or cash-pay. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. A college in Rolla puts a term-shaped curve into monthly collections. Rolla is the Phelps County seat, so county employment steadies the payer mix.
Nearby Missouri towns
- Lebanon 15,538 residents
- Union 13,198 residents
- Washington 15,521 residents
- Fulton 12,573 residents
- Eureka 13,277 residents
- Farmington 19,165 residents
What owners in Rolla ask
01How many providers practice in Rolla, and in what?
NPPES lists 265 providers at a Rolla practice address, 128.3 per 10,000 residents across 27 tracked fields. Physical, occupational, and speech therapy accounts for 39 of them, 15 percent of the total, with specialty physician groups next at 32. Read that as clinicians: 265 enumerations, not 265 owners.
02Why does Phelps County show so little SBA activity?
Phelps County shows 0 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 40 lending establishments operate locally.
03What does Phelps County's shortage designation change?
Designated for primary care, dental, mental health, Phelps County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
04How does the hospital in Rolla affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 6 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 128.3 per 10,000 market.
05What does a $42,518 median income mean for case acceptance?
Median household income in Rolla runs $42,518. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
06Which fields carry the volume in Rolla?
The 27 enumerated fields are led by physical, occupational, and speech therapy at 39, with specialty physician groups at 32 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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